<h2>Invest in Your Future With Education</h2>
Education is a great investment in your future. At SJVC, we work hard to provide our students with the career education they need at an affordable cost. SJVC is authorized to offer various financial aid programs for those who qualify. After meeting with an SJVC Admissions Advisor, you’ll receive a free financial aid consultation with one of our experienced financial aid professionals. Our financial aid advisor will walk you through the process and make sure you understand your options.
<h3>Find out if you qualify for:</h3>
<h4>Federal Pell Grants</h4>
The Federal Pell Grant is an important source of aid for students who demonstrate a financial need. It is dependent upon determination of eligibility, enrollment status, cost of attendance and a payment schedule issued by the U.S. Department of Education. A grant does not have to be repaid.
<h4>Federal Supplemental Educational Opportunity Grants (SEOG) Grants</h4>
Each year, SJVC makes a limited number of awards to students through the Federal Supplemental Education Opportunity Grant program. These funds are targeted to those students who have the lowest calculated family income.
<h4>Student Scholarships</h4>
SJVC awards up to $40,000 annually in scholarships to high school seniors who meet certain requirements. High school seniors should inquire within their high school counseling office or career center for information about an SJVC scholarship application or they may contact the nearest SJVC campus.
<h4>Loans</h4>
If an applicant obtains a loan to pay for an educational program, the applicant will have the responsibility to repay the full amount of the loan plus interest, less the amount of any refund. If the applicant is eligible for a loan guaranteed by the federal or state government and the applicant defaults on the loan, both of the following may occur:
<ol>
	<li>The federal or state government or a loan guarantee agency may take action against the applicant, including applying any income tax refund to which the applicant is entitled to reduce the balance owed on the loan.</li>
	<li>The applicant may not be eligible for any other federal student financial aid at another institution or government assistance until the loan is repaid.</li>
</ol>
<h4>Federal Direct Stafford Loans</h4>
<span style="text-decoration: underline;">Subsidized</span>: Students requiring additional financial assistance may apply for a federal loan. This loan must be repaid, beginning six months after graduation or termination from the program, whichever occurs first. Students who do not qualify for a Subsidized Federal Direct Stafford Loan may apply for an Unsubsidized Federal Direct Stafford Loan. <span style="text-decoration: underline;">Unsubsidized</span>: Independent students may also borrow from the Unsubsidized Federal Direct Stafford Loan program and begin interest payments while in school; this loan must be repaid. Principal payments begin upon either graduation or termination from SJVC, whichever occurs first.
<h4>Federal Direct PLUS</h4>
Through the Federal Parent Loan for Undergraduate Students program, parents of dependent students may borrow funds to meet educational expenses. This loan must be repaid, beginning once the loan is fully disbursed (paid out).
<h4>Institutional Loan</h4>
SJVC offers a low interest loan program. This loan may be used only to pay tuition charges not covered by financial aid. Students should check with the Financial Aid Office for repayment options and application requirements.
<h3>Other types of Financial Aid may include:</h3>
<ul>
	<li> Federal Work-Study Program</li>
	<li> Veteran Educational Benefits</li>
	<li> Institutional Payment Plans</li>
	<li> Private Lender Alternative Loans</li>
</ul>
<h3>For more information, take a look at these helpful links:</h3>
<ul>
	<li><a title="Click here to go to the Free Application for Federal Student Aid website." href="http://www.fafsa.ed.gov/" target="_blank">Free application for federal student aid</a> (FAFSA)</li>
	<li><a title="Click here to go to the Government Student Gateway website." href="http://studentaid.ed.gov/redirects/students-gov" target="_blank">Student gateway to the U.S. government</a></li>
	<li><a title="Click here to go to the U.S. Department of Education website." href="http://www.ed.gov/" target="_blank">U.S. Department of Education</a></li>
	<li><a title="Click here to go to the GI Bill website." href="http://www.gibill.va.gov/" target="_blank">GI Bill: Home for all VA Educational Benefits</a></li>
</ul>
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